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Regulatory Update News

Don't Let Stocks Drive You Crazy
The recent market volatility is enough to make even seasoned investors feel like ping-pong balls. How to keep your head when stocks fall more than 200 points one day, only to gain that and more the next.

Boat Maker Brunswick Catches a Wave
An incoming tide of economic growth and rising consumer confidence should continue to boost new boat sales and give a lift to shares of Brunswick. One analyst sees 20% upside for the stock.

We Need Stock Prices to Fall 25%
Jonathan Clements says it’s hard to be enthusiastic about the potential for U.S. stocks over the next 10 years.

J.C. Penney Stock No Holiday Bargain
The retailer’s latest earnings are little comfort to investors looking for same-store sales growth.

Investing Options for a Small Budget
Apart from your employer’s plan, there are low-cost ETFs and index funds, writes Jonathan Clements.

It's Time to Consider Commodities
Andrew Bary explains how contrarians can take advantage of an out-of-favor asset class.

The Downside to Stock Buybacks
Share buybacks aren’t always a good thing because companies could have better uses for the money, Sunday Journal columnist Jonathan Clements writes.

Western Digital's Competitive Drives
With a low P/E and a wild card in China, disk-drive maker Western Digital could have 40% upside, some say.

How Low Will Stocks Go?
If this is a routine correction, not much further, writes Brett Arends.

How to Make Your Savings Outlive You
Retirees can’t expect a fixed income stream from risky investments, Sunday Journal columnist Jonathan Clements writes.

Samsung: Nice Stock if You Can Get It
World’s leading maker of memory chips is highly profitable.

Why Small-Cap Stocks Still Look Pricey
Shares of small companies have fallen sharply, but they remain expensive in relation to sales and earnings.

Wall Street Gets a Case of the Jitters
It may not be a "correction," but it's a reminder that one is due.

Buy? Sell? Or Hold?
As 2014 winds down, Gregory Zuckerman takes the pulse of a surprisingly robust stock market.

The Simple Secret to Building Wealth
Saving steadily is far more important than high earnings or investment wizardry, writes Jonathan Clements.

Bank of America Could Surge Soon
It's improving financially and resolving its legal problems.

Three Ways to Assess Your Financial Progress
You don't need a professional planner to figure out where you stand, writes Jonathan Clements.

Ventas Bets Big on an Aging Population
Some think the REIT could surge 30% in the next year.

Approach Hot Indian Stocks With Care
India's stock market is enjoying a moment in the sun, helping turn India into a darling of U.S. investors looking for the next hot emerging market. But investors shouldn't be blinded to the risks by this year's shimmering returns.

Three Mistakes Investors Keep Making
Successful investing requires avoiding common mental and emotional pitfalls.

The Case for Sticking With Stocks
Long-term investors should keep at least 60% of their money in shares, even when they seem overvalued, this researcher says.

The Importance of a Balanced Portfolio
Jonathan Clements explains how it's done and how it helps.

Thermo Fisher Looks Ready to Soar
It's gaining market share, paying down debt and cutting costs.

Junk Bonds Deserve a Place in Portfolios
The payoff is higher yields. But recent market gyrations are a reminder of the risks.

Is That an Office Building in Your 401(k)?
Some retirement-plan savers can invest in private funds that own commercial property.

What Markets Did While You Were Tanning
The bulls wobbled on geopolitical news, then have resumed their run.

Why Analysts Say TransCanada Is Undervalued
Growth prospects are strong, especially if pipe and generation assets are split.

There's No Need for Investors to Fear September
Historical stock-market returns for the month aren't as ominous as some investors believe.

How to Fire Your Financial Adviser
Weekend Investor: Cutting ties with someone who has helped you navigate tough financial issues can be difficult. Here's how to do it.

Why Your Cash Isn't Trash
Weekend Investor: Your cash might be earning more than you think—even as it loses value to inflation.

The Payoffs of Investing Locally
It can be worth it both financially and personally, but there are risks. Here's what you need to know.

How Much Diversification Is Too Much?
We run the numbers to see how much expanding your investment holdings really pays off.

'Alternative' Investments: What You Need to Know
Jonathan Clements provides three broad guidelines.

Terex Is Poised for Heavy Lifting
Crane maker should benefit from several tailwinds.

Taking Stock of Automated Financial Advisers
These online services use computer programs to manage portfolios—and charge far less than traditional brokerages. Should investors bite?

Calling a Market Peak Is Only Half the Battle
Hulbert on Investing: Investors who side-step a bear market often blow the timing of getting back into stocks.

Canada Studies Options as B.C. Port Upgrade Subject to U.S. Policies

British Columbia Port Upgrade Subject to U.S. Policies
Canada said it is looking at its options after learning a ferry-terminal upgrade at a port on its Pacific Coast is subject to U.S. policies that would prohibit the use of Canadian-made iron and steel.

A Stock Test for Millennials
You don’t know your true risk tolerance until equities take a dive.

Gifts for the Financially Savvy
A list of gifts for financially savvy people. Think of them as reminders that we all need to be smart about money.

The Rules on Capital-Loss Deductions
You typically can deduct as much as $3,000 a year in capital losses from your ordinary income. You can carry unused deductions into subsequent years until they’re used up.

Large Homes Can Be a Retirement Hazard
The pricier the house, the bigger the financial drain, writes Jonathan Clements.

The Holiday Opening for Family Discussions
You can talk about family finances without ruining dinner, writes Tom Lauricella.

Millennials, the Market Is Your Friend. Really
Upside: Columnist Morgan Housel writes an open letter to his generation of investors.

NTSB Rules Drones Subject to FAA Rules
The National Transportation Safety Board upheld a Federal Aviation Administration fine against a man for operating a drone recklessly, ruling drones are aircraft and subject to existing FAA rules.

J.C. Penney Stock No Holiday Bargain
The retailer’s latest earnings are little comfort to investors looking for same-store sales growth.

Deciding Whether to Join the Muni Rally
Weekend Investor: State and local government debt is a hot investment, as bankruptcy fears recede. Here’s what investors need to know now.

Risks of Betting on a Rising Dollar
Specialized currency funds have attracted assets this year, but they don’t make sense for many investors.

How the Journal Found Troubled-Broker Hot Spots
The Wall Street Journal analyzed records of 87% of U.S. stockbrokers, using methods from epidemiology to identify hot spots with high rates of brokers who had red flags in their filings.

Musical Instruments as an Investment
Instruments can offer returns that are music to investors’ ears. But there are pitfalls to be avoided, including giving emotion too much weight.

A Guide to Picking the Right Trust
Set up the right way, they’re a great way to protect assets. But beware the pitfalls.

Investors Find Warmer Welcome in Europe
Journal Report: European countries are trying to attract wealthy foreigners by offering residency status in return for real estate and other investments.

What to Watch Out for When Changing 529 Plans
It’s easy to get blind-sided by rules and restrictions that can cause the account owner to owe taxes and penalties.

Crowdfunding Is Opening Investment Doors
New crowdfunding sites let investors find opportunities for debt and equity investments that have long been available only to institutions.

Estate Planning for Childless Couples
At a minimum, there are two main tasks: deciding who inherits property and assigning power of attorney.

It’s Time to Consider Commodities
Andrew Bary explains how contrarians can take advantage of an out-of-favor asset class.

Investing Options for a Small Budget
Apart from your employer’s plan, there are low-cost ETFs and index funds, writes Jonathan Clements.

Financial Moves to Make This Year
Brett Arends writes about getting tax breaks to using up expiring mileage awards.

VA Says More Than 5,000 Employees Subject to Disciplinary Proposals

VA Says More Than 5,000 Subject to Discipline
More than 5,000 Department of Veterans Affairs employees are currently subject to disciplinary proposals with more than 40 of them related to patient care, according to the VA, but no hard timeline has been put in place for many of those cases.

If Economy Grows, Do Stocks Follow?
After years of sluggish growth, the U.S. economy is bouncing back. San Francisco also got a little rain last week. Both predict, on average, roughly nothing about future market returns.

History Lesson for Tech Employees
Young tech workers may not remember, but their company’s stock can go down. A lot.

Maybe Investors Really Aren’t Afraid
Fund Fiend: Vanguard strategist Francis Kinniry asserts that the evidence doesn’t back up the “de-risking” story.

Why a Busy Fund Manager Isn’t Always Best
The measure called “active share” shows whether portfolio managers are having an impact. But it may be overused as a measure of skill.

Merger Funds: More Tame Than the Reputation
Merger-arbitrage funds have been drawing investors. But don’t think Gordon Gekko. They aim for modest returns, more like bond funds.

Confirmation Bias: What It Means
In Translation: “Confirmation bias” might make sense in politics, but it can be dangerous for investors.

After All That, Stock Funds Gain 2.7%
Monthly Monitor: It was “just a flesh wound” for stock funds, which survived several October scares to gain 2.7% for the month. Plus: Abby Johnson’s promotion, 21 years later.

Bill Gross Gets a Longer Leash
Spotlight: At his new Janus fund, bond king Bill Gross has less assets to work with than he had at Pimco, but more room to maneuver.

ETF Assets Climb Toward $2 Trillion
Investors continue to move toward cheaper, more-automated portfolios but mutual funds still dominate in overall assets.

Cheaper Energy Could Be a Mixed Blessing
Sunday Journal: Because the U.S. is enjoying a historic expansion in energy production and the sector is crucial to the overall economy, plunging prices represent a mixed blessing for the economy and a challenge for investors.

The Case for ‘Alternative’ Investments
Exotic strategies can benefit a portfolio, but can be tough to put into practice.

Going Mobile: a Guide to Investing Apps
New technology is making it easier to manage your money. Here’s how to use apps to your advantage and avoid the pitfalls.

How to Pump Up a Roth IRA
After-tax contributions to a workplace 401(k) can be shifted into a tax-free Roth account, the IRS says.

AutoNation Halts Sales of Cars With Takata Air Bags
AutoNation, Inc. says it has stopped sales of all vehicles equipped with Takata Corp. air bags covered by a series of recalls and warnings from federal regulators who say the devices could explode and harm drivers.

For Social Security Recipients, a 1.7% Raise
The Social Security Administration last week announced a 1.7% annual for those who receive federal retirement or disability benefits.The average beneficiary will get a $22 monthly increase.

Benefits Enrollment Offers Opportunity
The process of choosing a medical plan and allocating your money among various other benefits allows you to reassess whether you are saving enough for retirement and in the right ways.

Western Digital’s Competitive Drives
With a low P/E and a wild card in China, disk-drive maker Western Digital could have 40% upside, some say.

The Downside to Stock Buybacks
Share buybacks aren’t always a good thing because companies could have better uses for the money, Sunday Journal columnist Jonathan Clements writes.

Don’t Let Stocks Drive You Crazy
The recent market volatility is enough to make even seasoned investors feel like ping-pong balls. How to keep your head when stocks fall more than 200 points one day, only to gain that and more the next.

Stocks: How to Play Defense
Some specialized funds are designed to hedge risk, but they may not be the best choice.

Learn From Market Mistakes—Don’t Just Repeat Them
Investing in stocks tests our patience and flexibility. Here are four pitfalls to avoid.

Taiwan Semiconductor’s Chang on How the Chip Industry Is Evolving
Morris Chang, chairman of Taiwan Semiconductor, discusses how his company is preparing for the Internet of Things

Lilly Sees Light After a Difficult Year
Chief Executive John C. Lechleiter talks about the opportunities and challenges ahead for the drug maker.

Samsung: Nice Stock if You Can Get It
World’s leading maker of memory chips is highly profitable.

Good News and Bad for Retirement Savers
It’s cheaper to roll into a Roth IRA, but harder for your heirs to shield it from taxes.

How to Make Your Savings Outlive You
Retirees can’t expect a fixed income stream from risky investments, Sunday Journal columnist Jonathan Clements writes.

How Low Will Stocks Go?
If this is a routine correction, not much further, writes Brett Arends.

The Risks of Insuring Against Risks
Whenever the stock market turns turbulent, brokers and financial advisers trot out structured notes as an alternative. Here’s why you should be wary.

An Extra Step to Protect IRAs Earmarked for Heirs
A Supreme Court ruling prompts some people to set up trusts for retirement money going to people other than spouses.

What’s in Your 529 Plan?
College savings plans diversify beyond plain-vanilla stocks and bonds.

The Real Reasons to Worry About Stocks
Your long-term returns won’t be determined by this month’s market swings. Here’s what does matter.

For College Students, History’s a Mystery
Few schools mandate courses in subjects like U.S. government, history or economics, according to a survey of core curricula at 1,098 four-year colleges and universities.

Ruling Sparks Rush to Shield IRAs
A recent Supreme Court decision stripping inherited IRAs’ protection from creditors in bankruptcy proceedings has families rethinking the best ways to pass savings to heirs.

How Reaching for Return Becomes Digging a Hole
Most investors have no business loading up on leverage and dabbling in derivatives, writes Jonathan Clements.

Health-Care Choices: HSAs vs. FSAs
More employers are rolling out the kind of insurance plans that can be paired with health savings accounts, or HSAs. Others are offering enhancements to health flexible spending accounts, or FSAs.

Bears Stalk ‘Goldilocks’ Stock Market
For several years, it’s been a Goldilocks stock market. Now, some investors wonder if an economic slowdown overseas and the Federal Reserve will spoil the fairy tale.

Kroger’s Latest Special: Its Stock
Kroger, the No. 2 U.S. food retailer, wants to be more than just another mass grocer. While its stock has risen, analysts are seeing room for more upside, maybe as much as 20%.

Why Small-Cap Stocks Still Look Pricey
Shares of small companies have fallen sharply, but they remain expensive in relation to sales and earnings.

Robert Shiller on What to Watch in This Wild Market
The Yale University finance professor talks about stock prices and what he is doing with his money.

Solving Retirement’s Longevity Puzzle
Weekend Investor: Many people worry about running out of money in retirement. But for those who could die early, there’s another risk: being too cautious.

Office Gossip Is Fun, Unless It Is About You
Evaluate the sources of gossip, the nature of rumors and their potential damage when you are the subject of the rumor mill at work. Experts offer techniques for silencing the whispers.

An ETF Giant Steps to ‘Active’ Side
BlackRock, known for iShares ETFs, still sees lucrative fees in active funds for individual investors.

Too Late for TIPS? ETF Ideas for Hedging Against Inflation
Because of fears that inflation will return soon, some advisers recommend using several different asset classes to hedge against inflation.

Was Bill Gross the Last Star Manager?
Fund Fiend: Pimco saga shows the downside of larger-than-life personalities in mutual funds.

Momentum Investing: How It Works
In Translation: Investor behavior can reinforce moves both up and down, giving momentum investors an opportunity.

‘Ethical’ Investing in Emerging Markets?
The notion of socially responsible investing around the globe could seem folly, but some funds think it’s possible.

Vanguard’s $3 Trillion Man
CEO F. William McNabb III discusses how the mutual-fund company has more than doubled its assets since he took over, and its global ambition.

U.S.-Stock Funds Fell 1.9% in Quarter
Quarterly Monitor: U.S.-stock funds fell 1.9% in the third quarter, the first negative return in nine quarters. Investors remain in a “show me” state.

Janus Contrarian Fund Wins Crown, by a Nose
Winners’ Circle: The Janus Contrarian fund rode airline stocks to a 25.3% return over the past 12 months, making it the winner by a nose in The Wall Street Journal’s quarterly Winners’ Circle contest for U.S.-stock funds.

Five Questions to Ask Before Stealing From Your 401(k)
It is no longer considered absolutely inadvisable, or unusual, to touch one’s 401(k) before retirement. But be aware of the pros and cons.

A Strong Period for Target-Date Funds
They’re growing more popular as retirement-savings vehicles.

Are You Prepared for a Stock Selloff?
Jonathan Clements on how to position yourself now for a possible downturn.

The Market Makes a Case for Conservative Investing
Most people are better off dollar-cost averaging in index funds.

Bonds: What to Do Now
Weekend Investor: Bill Gross’s sudden departure from Pimco raises five timely questions for investors. Here’s what you need to know.

Not Your Father’s Dividend Stocks
With yields low, investors hunting for income should look at technology stocks such as Apple and at overseas shares.

Is Your Charity a Commodities Trader
A new worry for nonprofits and for donors.

The Money Conversation Americans Need to Have
Most worry a great deal about finance, but few broach the topic.

Bank of America Could Surge Soon
It's improving financially and resolving its legal problems.

Wall Street Gets a Case of the Jitters
It may not be a "correction," but it's a reminder that one is due.

Should Investors Chase After Bill Gross Again?
Advice for investors after the manager's stunning departure from Pimco.

The Roth-IRA Math for 50-Somethings
These accounts can sometimes pay off even for people who expect a lower tax rate in retirement.

Is It Time to Invest in Bitcoin?
What investors should know before diving into bitcoin and other cryptocurrencies.

ETF Ideas for Banks in a Rising-Rate Environment
Some financial advisers say it would be a mistake to exit bank-related investments because of rising rates, especially for a long-term holder.

How to Manage Collectible Investments
Many investors don't have a clue about the value of their fine art, antiques or other collectibles or how to protect them properly—a situation that can cost them dearly.

For New Parents, New Look at Finances
A young couple with a baby look again at their finances, with help from a financial adviser.

Ventas Bets Big on an Aging Population
Some think the REIT could surge 30% in the next year.

Three Ways to Assess Your Financial Progress
You don't need a professional planner to figure out where you stand, writes Jonathan Clements.

The Rise of Ultracheap Financial Advisers
In a world in which the expected long-term return on stocks after taxes and inflation is 3% to 4% a year at best, financial advisers still typically charge 1% a year for their services. Why, when you take all the risk, does your adviser take up to one-third of the reward?

The New World of Property Investing
There's a growing array of ways to profit from renting out single-family homes.

Approach Hot Indian Stocks With Care
India's stock market is enjoying a moment in the sun, helping turn India into a darling of U.S. investors looking for the next hot emerging market. But investors shouldn't be blinded to the risks by this year's shimmering returns.

Don't Be Lulled by Smooth Market Ride
It's been a long time since the last correction—and that's a reason to plan for the next one.

A Full Night's Sleep Can Really Pay Off
Weekend Investor: Being well rested can make people more productive and valuable at work, as well as smarter in their investing, research suggests.

If You Buy Alibaba, Be Ready for a Rough Ride
If you have money you can afford to lose and you get shares in Alibaba's IPO at a price under $70, you should probably hang on—but don't even think about buying in the first place if you scare easily.

Where (in the Human Body) Venture Capital Is Going
A look at the organs and maladies that are attracting the most interest of startups and venture-capital investors. Hint: Think aging baby boomers.

Answers to Your Questions on Estate Planning
What you should know about 'pour-over' plans and revocable trusts.

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